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Xapo Bank

Chief Customer Officer

Xapo Bank

. Own the Customer P&L for retail and institutional customers .

Posted 10/26/2026full-timeRemote • GibraltarLeadWebsite

Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing Customer P&L, driving growth through customer propositions, and leading product management in a regulated environment. Proven ability to improve key metrics such as LTV:CAC, churn, and AUM while collaborating across finance, risk, and compliance.

Highest-signal resume keywords
Customer P&L ManagementDigital Banking ExperienceProduct Management for Balance-Sheet ProductsRegulated Environment ExperienceCustomer Acquisition and Retention

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Customer Proposition DevelopmentP&L OwnershipLTV:CAC AnalysisChurn ManagementProduct PricingDigital Asset ManagementKYC ComplianceUnit EconomicsCustomer Contribution MetricsOn-Chain Flows
Soft Skills
LeadershipCollaborationStrategic ThinkingCommunicationProblem-Solving
Industry Keywords
FintechPaymentsDigital BankingE-MoneyRegulated BankingCrypto-Native PerspectivesClient CoverageCustomer Lifecycle ManagementStructured ProductsRisk Management

About the role

Key responsibilities & impact
  • Own the Customer P&L for retail and institutional customers
  • Grow customer-held assets through deposits, savings, lending, credit, trading, and structured products
  • Own Growth across audience, lifecycle, and content, including CAC and approved-to-paid
  • Own retention, churn, Client Coverage, net new AUM flow, covered-book retention, and products per covered member
  • Lead Product Design, including a unified design system and customer experience
  • Unite Growth, Client Coverage, Mission PMs, and Product Design under one operating model
  • Partner with Finance, Risk, Treasury, Compliance, Operations, Technology, and Engineering
  • Apply regulated-bank and crypto-native perspectives to customer and product decisions
  • Report to the CEO and provide the CEO and Board with Customer P&L and customer metric performance
  • Establish a Customer P&L baseline within 30 days
  • Launch a unified Customer operating model within 60 days
  • Deliver at least one measurable improvement in LTV:CAC, approved-to-paid, churn, or net new AUM flow within 90 days

Requirements

What you’ll need
  • 10+ years in senior commercial or customer leadership (CCO, Chief Growth or Commercial Officer, MD or Head of Retail or Wealth, or equivalent)
  • Experience in digital banking, fintech, or payments
  • Meaningful experience in a regulated environment, such as banking, e-money, or an equivalent prudential/conduct regime
  • Hands-on experience building and growing customer propositions involving digital assets, custody, on-chain flows, Bitcoin-backed lending, or similar
  • Experience owning a customer or product P&L judged on contribution, balances, and margin
  • Fluency in NIM, unit economics, customer contribution, and LTV:CAC
  • Track record of acquiring, activating, and retaining members in a regulated, KYC-heavy environment
  • Experience improving approved-to-paid and churn while managing CAC at a level justified by LTV
  • Experience leading product management for balance-sheet products such as savings, lending, or structured products
  • Experience pricing products with Finance and managing PMs who own product economics
  • Commercial and risk fluency; ability to build business cases that withstand Finance, Risk, and Compliance scrutiny
  • Proven outcomes involving LTV:CAC, approved-to-paid, churn, AUM, or customer contribution
  • Dedicated workspace
  • Reliable internet connection with the fastest speed possible in the candidate's area
  • Alignment with Our Values and Xapo Values-Driven Leadership principles

Benefits

Comp & perks
  • 100% remote work from anywhere in the world
  • Flexible PTO plan
  • Flexible work schedule
  • Yearly budget for individual learning and development goals
  • Opportunities to learn from books to conferences
  • Autonomy and collaborative teamwork
  • High-performance team environment